+ Dinheiro vs Quartzo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
+ Dinheiro
Track your spending, set financial goals, and organize your money with this easy-to-use finance management tool. Gain insights into your habits with intuitive charts and keep your data secure with iCloud backup. Take control of your finances and plan for the future.
- Spending tracking
- Financial goal setting
- Multi-wallet organization
- Spending habit insights
- Intuitive charts
- iCloud data protection
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See how you spend your money and plan your future with + Money! Easy to use, Free, and Ad-Free, + Money puts financial control at your fingertips. Set personalized Goals and track your progress until you achieve them. Effortlessly organize your finances by adding separate wallets for different bank accounts or credit cards. Gain clear insights into your spending habits and make smarter financial decisions with intuitive charts. Best of all, your data is always protected in iCloud, with only you having access to your information. Download + Money now and revolutionize the way you manage your finances!
Quartzo
Manage your finances with this intuitive app. Track expenses, organize accounts, and set up recurring payments. Customizable notifications and iCloud backup ensure you stay in control of your money.
- Multiple wallets for account organization
- Expense categorization
- Automated recurring transaction recording
- Customizable expense notifications
- iCloud backup for data security
- Home screen widgets for quick viewing and addition
- Apple Pay transaction recognition integration
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Quartzo is the simple bill organizer and expense tracker that shows where your money goes, what's due this week and how much you'll have left at the end of the month. Log an expense in seconds and see your balance before it happens. KNOW WHAT'S LEFT • Current and projected balance: see what has already come in and gone out, and what will be left after this period's bills and expected income. • Your month's cash flow and balance in one place, with easy period navigation. • A home screen that fits you: choose which sections appear, and in what order, for each wallet. NEVER MISS A BILL AGAIN • Recurrences and installment plans: set them up once and Quartzo takes care of what comes next. • Pending bills at a glance: see what's overdue and what's due in the coming days, and mark it paid with one tap. • Reminders before the due date and a daily summary of your bills. BUDGETS THAT WARN YOU EARLY • Set limits by category and see how much room is left this month. • Get an alert when a budget is close to its limit or goes over. UNDERSTAND YOUR SPENDING • Monthly and yearly trends, compared with the same period before. • Top categories, notable changes and automatic insights. • Search by name, category, wallet or note, and filter by period, type and amount range. ORGANIZED YOUR WAY • Multiple wallets: checking, credit card, home, travel, business, each with its own balance. • Wallets in other currencies. • Categories with an emoji or a brand logo, which also shows on your transactions. • Attach receipts and invoices with the camera or from your photos. WIDGETS AND LOCK SCREEN • Bills due, Overdue bills, Bills this week and Month overview widgets for your Home Screen and Lock Screen. • Pay a bill right from the widget without opening the app. • This month's bills calendar on your Lock Screen as a Live Activity. • Add an expense or income straight from a widget. SHORTCUTS AND AUTOMATIONS • Apple Pay logs itself: pay with a tap and the expense lands in Quartzo with the amount and the store. • Shortcuts actions to add transactions, check a wallet's balance, see this month's spending and open the bills calendar. • Step-by-step guides in the app get everything set up in under a minute. PRIVATE AND IN SYNC • Your data stays in your iCloud and syncs across iPhone and iPad. • Face ID or Touch ID lock. • No account to create and no bank login required. • Light, dark or automatic theme, with a layout built for iPad too. QUARTZO PRO Unlock the whole app: unlimited wallets, categories and budgets, automatic entries, full trends, reminders and daily summary, Lock Screen calendar, attachments, brand logos, wallets in other currencies and biometric lock. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. Manage or cancel them in your Apple Account settings. Download Quartzo and start every month knowing exactly where your money is. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.quartzo.app/privacy.html
Screenshots
Verdict
The clearest difference is rating: + Dinheiro at 5.0 against Quartzo's 4.3. + Dinheiro also leads on in-app purchases (none vs 3). Quartzo's advantage is update cadence (weekly vs every 2 months). On price, review sentiment, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Quartzo sells 3 in-app purchases, starting at $3.99 per month. + Dinheiro asks for nothing beyond the download.
+ Dinheiro holds the better App Store score, 5.0 against 4.3. Both are backed by a comparable volume of ratings — 2 and 4 respectively. Written reviews complicate that: 64% of + Dinheiro's written reviews are positive against 67% of Quartzo's, so the app with the better star average is not the one people write more warmly about.
+ Dinheiro ships an update every 2 months, Quartzo weekly. The most recent releases landed on October 10, 2026 and October 30, 2026 respectively.
| Parameter | + Dinheiro | Quartzo |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.3 (4 ratings) |
| Positive reviews | 64.3% of reviews | 66.7% of reviews — better |
| Number of ratings | 2 | 4 — better |
| Update frequency | Every 2 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 18.0 — better | 18.5 |
| Further details — not scored | ||
| Size | 10 MB | 43 MB |
| Age rating | 4+ | 17+ |
| Developer | Raphael Alkamim da Silva | Rafael Ramos |
Customer experience
+ Dinheiro
Quartzo
In-app purchases
+ Dinheiro
No in-app purchases
Quartzo
- Quartzo Pro: Monthly3 Days trial$3.991 Month
- Quartzo Pro: Annually$14.991 Year
- Quartzo Pro: Lifetime$19.99








